Legal Insights
Plain-language guides and case briefs on Philippine law — researched from the firm's law library of 184,000+ statutes, Supreme Court decisions, and agency issuances, and written so non-lawyers can understand and act on them.
Ombudsman Jurisdiction Over GOCCs: The Original Charter Requirement
The Supreme Court limits Ombudsman jurisdiction over GOCCs to those with original charters, not corporations merely acquired by government.
Usury Law and Contractual Obligations: Striking the Balance in Loan Agreements
The Supreme Court clarifies how the Usury Law interacts with loan restructuring, refinancing, and the binding force of contracts in DBP v. CA.
Demand NOT Always Needed When Philippine Banks CAN Foreclose Without Prior Notice
Philippine Supreme Court clarifies when banks may foreclose without prior demand, and limits on preliminary injunctions against foreclosure.
Mortgage Still Valid Loan Restructuring AND Novation IN THE Philippines Reyes V BPI Family Savings Bank
When does loan restructuring cancel a real estate mortgage? The Supreme Court explains novation rules in Reyes v. BPI Family Savings Bank.
Equitable Mortgage vs Absolute Sale: Protecting Your Property Rights in the Philippines
When is a deed of absolute sale actually an equitable mortgage? Philippine law protects borrowers who sign sale documents to secure loans.
Oral Loan Agreements in the Philippines: When a Verbal Promise Is Legally Binding
Oral loan agreements can be enforceable in the Philippines. Learn the rules, evidence needed, and key Supreme Court ruling on verbal contracts.
Surety Bonds Enforcing Liability Despite Procedural Technicalities
Philippine Supreme Court ruling on when courts may suspend civil cases for prejudicial questions, and how surety obligations remain enforceable.
Upholding Ethical Conduct: An Attorney's Duty to Fulfill Financial Obligations and Maintain Honesty
A lawyer who acquires client property entrusted to him commits gross misconduct warranting disbarment under the Code of Professional Responsibility.
Unmasking Equitable Mortgages in the Philippines: A Guide for Property Buyers and Sellers
When is a deed of sale actually a loan? Learn how Philippine courts unmask equitable mortgages and protect property buyers and sellers.
Perfecting Appeals: The Crucial Difference Between Single and Multiple Judgments in Philippine Law
Learn when a record on appeal is required in Philippine civil procedure, and why missing this step can cost you your appeal.
Attorney Misappropriation of Client Funds: Fiduciary Duty and Ethical Obligations of Lawyers
When a lawyer mishandles client money, the Supreme Court does not take it lightly. Learn the ethical rules and consequences.
When Do Labor Tribunals Have Jurisdiction Over Employer Claims? Esico v. Alphaland
The Supreme Court clarifies when labor tribunals, not regular courts, hear employer claims for damages arising from an employee's resignation.
Prescription in Anti-Graft Cases: When Does the Clock Start Ticking?
The Supreme Court clarifies when the prescriptive period for anti-graft cases begins, distinguishing discovery from commission of the offense.
Bouncing Checks Under B.P. 22: When a Check Used as Loan Security Still Leads to Criminal Liability
The Supreme Court clarifies that issuing a bouncing check is a crime under B.P. 22, even if the check was only security for a loan.
Loan Restructuring and Surety Release: Key Protections for Guarantors in Philippine Law
Philippine Supreme Court ruling on when loan restructuring releases a surety from liability, and what guarantors must know about their rights.
Privity of Contract in the Philippines: Why Third Parties Are Not Bound by Your Agreement
Learn how privity of contract protects banks and third parties from obligations they never agreed to, explained through the Villalon case.
Legal Interest in Philippine Judgments: Simple vs. Compound Interest Explained
Philippine courts apply simple legal interest on monetary judgments unless compound interest is explicitly stipulated. Learn the rules from David vs. Court of Appeals.
Equitable Mortgage vs. Pacto de Retro Sale: When a "Sale" Is Really a Loan
Philippine courts look beyond contract labels. Learn how Articles 1602 and 1603 protect borrowers from disguised loans and unfair foreclosure.
Nationwide Reach of Replevin Writs: Jurisdiction and Enforcement in Philippine Courts
Philippine courts can enforce replevin writs nationwide. Learn how jurisdiction is determined and what it means for creditors and debtors.
Legal Interest Rates in the Philippines: When Does 6% vs 12% Apply
Philippine Supreme Court clarifies when 6% or 12% legal interest applies—loans and forbearance versus other obligations. Learn the rules.
Philippine Legal Interest on Loans: When Does 12% Apply? Villanueva v. CA Explained
Learn when 12% legal interest applies to unpaid loans in the Philippines, based on the Supreme Court's ruling in Villanueva v. Court of Appeals.
Redemption Rights Under the Public Land Act: A Guide for Heirs and Mortgagors
Learn how the two-year redemption and five-year repurchase periods work for foreclosed Public Land Act properties, and what heirs should know.
Right of Repurchase in Philippine Real Estate: Pacto de Retro Rules Explained
Learn the rules on pacto de retro sales and the right of repurchase in Philippine real estate, including annotation duties and judicial requirements.
When Can a Mortgage on Public Land Be Void: DBP v. Court of Appeals
Philippine Supreme Court ruling on when mortgaging land under a free patent application is void and what makes a mortgage valid.